Comenity

WARNING. STAY AWAY from Total Rewards Caesars Credit Card Program! This company kidding you many times… again and again… They send you advertising. You have to activate them on the internet. If you spend more money with this Credit Card, you receive more points (3 times more points). After this promotion is the answer, the points will be credited soon. After couple weeks the final answer: You have not clicked the link. You missed the action. Zero Customer service. Result: I spend about $15,000 in two month with this card only and I lost about $300 on rewards. My result: I will not use this card anymore. M-Life has better offers and works serious.

So I have a credit card with one of their companies and suddenly I get a phone call from them saying I'm overdue on another credit card for another of their companies that I never signed up for. They say they have reported me to the credit bureaus for non-payment of items I never ordered from a credit card account I never opened. I believe it's an inside job, someone from Comenity took my info and opened the account. Trying to get to the bottom of it, they treated me like I was some sort of criminal. Don't go near them, terrible people.

I am so upset about this. I have tried to have this card reinstated as it is the longest running credit card I had. The individual at the bank was an absolute **. He would not listen to me and kept saying "Is there anything else I can do for you today..." No jerk... you have cancelled my card I have had since 2013 for no apparent reason. I made several attempts to make a purchase over the last 2 months but there was always something wrong with the website or they were going to mail me a new card (which I did) however, between them mailing me a new card and me receiving and using it (2 weeks), they cancelled my card for "non activity." Granted I had not used the card in 18 mo but I had made several attempts to do so and the problem was on their end... not mine. Now they have closed the card thus reducing the length of credit on my report and subsequently lowering my score. NOT HAPPY!!!

I would encourage anyone to not ever use Comenity Bank to get a credit card. They reduce your credit limit when they feel like it without cause. Then they close your accounts without cause. I had never been late on a payment, always paid more than more than the minimum payment and they reduced the credit limits on all three of my store credit cards I had with them after I had paid them off. The one card I had kept open with them, with a zero balance, 2 months after I had closed the other 3 accounts they close this account. AGAIN, I HAD NEVER BEEN LATE, PAID MORE THAN THE MINIMUM PAYMENT AND PAID THIS CARD OFF AND HAD A ZERO BALANCE! I will never shop at any of these stores again nor will I ever get a card with Comenity Bank ever again. They are horrible!

I have a Bj's MasterCard thru Comenity Bank and today I went shopping for clothes for my wife's upcoming trip. She got hundreds of dollars worth of clothes and we went to check out and our card was declined... Lucky I had debit card which I used. I called Comenity Bank and asked why my card was declined. They said it was declined because they were in the process of adjusting the account for a payment I just made online earlier. I try another store a 1/2 hour later and still was declined.

I receive one bill from Comenity bank for Forever 21. They was charged my late fee twice. I called. They only removed $17 for late fees. I was then given the total outstanding bill. I paid the bill in full that date. Today, I received a bill with double late fees. A total of $43 was added to the bill. I called them. The person who answered my call was rude. I asked to speak to her supervisor. And asked for her badge number because I was getting nowhere with her. She told me she does not have to give me that information. So I asked her to transfer me to someone that could. She hung up.

Has an account with Pottery Barn and Wayfair. I missed a payment by 7 days, and they reduced my available credit to zero and cancelled my account and card. I had made correct payments and most were early payments. There was no reason to reduce everything. They had just increased my limit within the last 2 weeks prior to this. Bad business. Won’t be using them again.

I have lost my main source of income and fallen behind on my credit card payments. After missing 2 payments, Comenity Bank closed all of my accounts with them. I first learned of the closings from the credit bureaus. Two weeks later I got letters in the mail from Comenity Bank informing me of the closures. One of my accounts have fallen 3 payments behind. I am receiving no less than 8 robocalls per day. I decided to answer one of the calls to speak with someone and explain my situation. I was transferred to my account manager who was very rude and disrespectful using threatening, accusatory, and abusive language.

I had a card with NY & Co since 2017. Made purchases and paid the balances off. They stated they periodically review credit scores and make adjustments to credit limit as needed. On May 8th they reviewed my credit and did nothing to my credit limit. On 4 July, I made a $172.00 purchase, on 12 July I called customer services and paid $100 towards my balance. My remaining balance is $72. My balance was zero for the entire year and as you can see I make payments well before the due date.

This is the worst credit card bank you can ever have. The Bank will get back any offer made by opening and purchasing with the sponsor on your first purchase. My first bad experience was with Ikea Card, I opened and used the credit card on same day (condition for the offered credit bonus); after purchase made they closed my monthly statement NEXT Day. My second experience was with Wayfair Card. My online scheduled payment did not go through, I wasn’t informed by any means and they charged a return payment fee for the exact amount offered to open/use their credit card.

I wish I had known about this company before opening an account through Carson's/Younkers. I was told of all the great benefits I would receive so I signed up knowing I was going to pay off the balance immediately. Carson's then went bankrupt and all benefits were canceled. I tried to pay off the balance through ACH. I thought everything was paid. I was shocked when I received another bill with fees of course. I went online and re-entered my bank info for the ACH. I checked a few times and the account showed paid. I received a letter in the mail advising me that my payment was returned (it never made it to my bank because Comenity cannot set up an ACH payment correctly).

I agree with the many reviews here that say that this company will do ANYTHING to charge additional fees. I paid my bill IN FULL and it reflected a zero balance. Three months later I began getting repeated calls from them for collecting $80+ past due on the account and I at first thought that it was a crank call or a scam and went online to see what was reflected in my account. I could only see the current month so I called and was told that when I had paid in full, I had done so two days after the payment was due, and therefore even though I had seen a zero balance, they had later charged a $35 late fee.

OK-A few months back, I was having trouble financially so I was late with my payment. The CSR at Comenity for Trek Bikes told me to just skip and pay next month, so I did. She said it was "no big deal" and just pay next month and that it would not affect my APR, etc. I asked her if she was sure, and she said it was fine. I took this to heart, and didn't pay. I got a collections call, which really made me angry so angry that I could not even deal with them on that day, so I called a few days later and talked with a csr who informed me that I was going to be charged a fee for being late, however I could avoid the fee if I paid on my account to make it current that day. I told her that I had to call my bank to make sure I could afford to pay the extra added expense. She told me that I had until 11 PM EST to call, but If I did not call back, I would be charged a fee.

I had this account with Bealls for over 2 years and they increase my account limit. Then I used my card and my credit score goes down by 32 points and they lowered my credit limit. And then another 2 months they gave me no credit at all when I had always made my payments on time and even paid more than the monthly limit. I will never use them again and shop at any stores that uses them. This goes for Bealls and Goody's as well as Palais Royal. I will take my business to Kohl's department stores. They treat people like crap. Give them a card and then don't let them use it. INDIAN GIVERS! If you do not want to become victimized do not use this bank!! Comenity has no integrity and shows poor business matters.

I am very disappointed by Wayfair and Comenity Bank services. They are absolutely dishonest and fake people. They provided me torn sofa initially but I agree that they easily accepted to replace it. I made purchase of 1100$ in last year September 2017 and until today, in period of 10 months when I am making all the installments, I still owe them 919$. They know how to make money by being dishonest and fooling around. Neither of them will take responsibility to help you in situation like I had. If you want to make payment, automated voice should help you otherwise you can make payment with bank only after due date which adds equal amount of late fee as of your monthly payment. And you go nowhere. I have closed my account with them. Think or quit before you made your mind!!!

I pay my bill one month in advance. Because of the way I receive my direct deposit. My May 2018 payment fell on a date that was 2 days before their system software closes account statements cycles. Comenity applied my payment to the balance I owed and then charged me a $25.00 late fee. I called and spoke to a customer service agent and was told that their system doesn't recognize that the payment I made was for the following month's payment due because the closing of their statement cycle is the 25th of the month.

On 5/30/18 I found out I had a balance of $36, but it was zero before that for a bit. Due to the hustle and bustle of wedding plans, wedding guests, and all others do details that go into planning a wedding I did not remember this small charge. They emailed me and I promptly went online to pay but by accident sent it to Comenity hot topic account. It was my fault. I made an honest mistake and then forgot to resend $$ to correct Orbitz Visa account. I called them and they said they will credit me the late charge which ended up only half of the fee! They also said nothing would be due till July. Well yesterday I went to pay for balance of honeymoon and found my CC account frozen and limit was lowered to $750 from $3000. They then said the freeze couldn’t be lifted for a month. For a lousy $87 balance.

I also researched that by LAW they have to tell you 45 days ahead of time before they change anything.

If I could give it zero I would. I never received my card. By the time I realized and called asking about my card I had received interest and late fee charges. My $30 purchase was now over $120. When I contacted them they offered to resend my card but would not wave the fees. Needless to say I cancelled the card and had to pay an extra 90.00 in fees on a card I never actually received. Besides this shady disregard for customers - Cards hold a very high interest rate, easy to obtain. So tempting but STAY AWAY if you are someone that carries a balance month to month.

Recently I just received notification my Big Lots credit card as well as my Modell's credit card has had the credit limits decreased. When I called them they told me I would receive a letter in the mail and it said that my limit was decreased based on my credit score dropping significantly to 589 on May 18th of this year. I in order to see if it was the truth I check my credit score but my other credit cards and they were absolutely wrong. I do not understand where they got this incorrect information when I was just approved credit card by Chase Bank. I checked my credit score on multiple places and my score was not even where they said it was. It was much much higher now. They want me to prove it and write them a letter. They say I cannot speak with anyone at risk management at Comenity. I am gathering the information and sending what they asked.

This place is a joke. I have several cards with them. I have NEVER missed a payment, they kept raising my limit, only to drop it stating my utilization was too high. So lowering my credit limit will help that how??? It will hurt my credit. No one there will help or explain. Now I get letters that the cards that have zero balance are being canceled??? This place is shady and I plan to fight this.

I had a payment due for April that I paid on 4/19/2018. The May's payment (all payments are the same amount each month) I made another payment on 5/4/2018 for May statement. They put both payments in under April's billing statement and cut off my credit and doubled my payment saying I did not pay for May's bills. We have had words and email and nothing was settled. I am on disability and cannot afford extra payments which they expect $231 due in 5 days. NEVER DO BUSINESS WITH THE COMPANY.

If you don't have a card with this bank. Never get one. They play gamble with your credit. If your score drops for whatever reason, they drop the available credit on your accounts thus damaging your credit even further. I have had about 5 of their cards for over a year and it is a gamble. They drop the limit on your cards especially the ones that you are using to make it seem as if you have 100% or overutilization and the cards that you're not using, they close them so that they can damage your credit even further.

I received an email this morning for the first time EVER telling me my statement was ready to be viewed. I was confused because I haven't used this card since April (which was the first time in about a year that I used it). I checked my account and saw that I had paid my bill in FULL in May (or so I thought). Apparently I was charged a late fee but it wasn't yet added to my account. So, I now have TWO late fees to my account, that I was not made aware of until TODAY. The representative told me I have been mailed and emailed three statements since April. I have not received anything except for the May billing statement that I used to make my payment and the email this morning. I will be canceling my card, because I am not going to continue paying late fees for something I don't even use. I will NOT recommend this bank to anyone.

Have had a credit card with Total Rewards for about 5 years. Comenity Bank is the bank in which the payments go to for said credit card. I take pride in making my payments on time and having an 800+ credit score, or I did. On May 1st I made an electronic payment to Comenity for my cc bill, which was due on the 3rd. Checked my checking account, saw that the payment was made. Checked my cc online statement to see what my balance had come down to and noticed that it still said that there was a payment due. Called Comenity and they said they never received my payment. Called my bank and told them, they said they would look into it. The following day I received 3 emails from my bank, the 1st was to tell me they closed the investigation, the 2nd stated that Comenity returned my payment and the 3rd was to tell me that the payment would be redeposited into my checking account.

I have a few store accounts with Comenity. Most of them are at a zero balance. I have had a rough patch the last few months with some personal problems that caused my credit to decrease. I never went over my limit nor did I miss a payment with any of my cards in the year or two that I have had them. Yet, somehow (they say because they check my credit every 30 days and they do this because they need to protect their investment) my credit limits were decreased from 650 to 250 and 250-100. Now, cards that were less than 1/4 used are maxed out and my credit dipped even more! They told me it would continue to do so until they feel that I have become creditworthy again. My problem here is I never missed a payment with them. Not one.

I have a CC with Torrid and I have always paid on time until this month. All of a sudden I go to purchase online and it says they lowered my CC to $100.00!!! Why even bother and for what? This is crazy and a disgrace. You best believe I will cancel my card now, they don't deserve my business.

I opened a Home and Garden Showplace Discover card through Alsip Nursery when I bought my patio furniture being told there was 6 months interest free if paid in full. Well I sent a big chunk of money the first month (9/2017). It was sent by e-check through my bank. I sent a payment in 10/2017 that went by electronic debit and I have proof that it cleared my account and was sent to my account number with the company. They are claiming they never received it. However they received my 11/17, 12/17 and two payments in January. It has been over 8 months now of me disputing and sending proof of the funds making it to them. They keep telling me they never received the money and that I would have to send a copy of the check to prove it. Well it went electronically and I provided the electronically transmittal form that shows all of the transaction details and everything and they still continue to deny my dispute.

Comenity Card for Victoria’s Secret - My credit limit was decreased to 200 with no notice or reason provided. I called customer service, the rep was confused as he could see I had no missed payments which is typically what makes them decrease your credit limit. I was told I should receive a letter in the mail, I checked the mail while on hold and found a letter from them which states my credit limit will remain at 370. I asked the rep how are they showing a credit limit lower that’s in the letter they themselves told me to watch out for. I was told I have to write and mail a letter, no one there can answer that. Right because writing and mailing a letter and having to wait to receive a response is so convenient while they just dumped your credit score. So frustrating, will be reporting to the BBB.

Earlier this year, I hit a financial rough spot and could not pay my creditors for a few months. I expected the collection calls that came in multiple times a day. When I was ready to get my feet back under me, I tried to make arrangements through the Website since I'm hard of hearing, but my needs were ignored and I was given a phone number to call. When I called Comenity's inappropriately named Customer Care, I was told I would need to pay an amount that would be impossible for me to manage to get me up to date. Really, if I had that kind of money lying around, I wouldn't have fallen behind in my bills.